Request a Contact

Fill out the information below and I'll reach out to you shortly.

First Name *

Last Name *

Phone Number *

Email Address *

Contact Preference

CallEmail

Welcome to Flagstar Bank, my name is Ray Cela. As a senior mortgage loan officer with extensive experience in home lending, I have shared my expertise to personally assist numerous families, investors, and first-time homebuyers with their financing needs. My expertise in home financing includes but not limited to: conventional, jumbo, FHA, VA, first-time homebuyers, second home, investment properties, and more.

As a top producer with Flagstar Bank, I work hard every day to make sure my clients get into the right programs every time and on time. I work 24/7 to make sure that your questions are answered at a moment's notice. Whether you are looking to buy a new home, refinancing an existing mortgage, or take advantage of home equity to upgrade or consolidate debt, I'm ready, willing, and able to assist you every step of the way.

I look forward to meeting you.

Mortgage Skills

Adjustable-Rate Mortgages

Condominium Financing

FHA Government Loans

First-Time Home Buyer Programs

Fixed-Rate Mortgages

Investment Property Loans

Jumbo Loans

Low-to-Moderate Income Lending Program

Pre-Qualifications

Renovation Loans

Second Homes

USDA Rural Housing

VA Government Loans

Education

Masters of Science in Finance - Walsh College 2015

Languages Spoken

English

Italian

Find the loan product that's right for you.

Are you looking to purchase a new property or refinance an existing one?